Sestavení nového pojistného produktu - pojištění létajících vozidel

This bachelor’s thesis addresses the issue of insurance for flying vehicles and the possibility of creating a new insurance product for the Czech market. The aim was to analyze the current state of compulsory motor third-party liability insurance and aviation liability insurance, and based on their principles, propose a hybrid solution for this new category of vehicles. The analysis showed that existing insurance products cannot be fully applied to flying vehicles on their own. Therefore, the practical part proposes a new product that defines the subject of insurance, determines the scope of coverage, and models the pricing. The results demonstrated that, in addition to technical parameters, it is essential to consider the purpose of operation and safety equipment. The thesis recommends introducing higher-than-minimum liability limits and including specific risks associated with the operation of flying vehicles, particularly in urban environments. It also emphasizes the need for legislative preparation, since under the current legal framework, the operation of flying vehicles would not be possible.